Is it really that simple? I once was stack in customer service hell with my internet provider where they weren’t able to connect me but didn’t want to cancel my service. I canceled the contract, they charged me some cancellation fees, I refused to pay, they sold my debt to a collector who was not able to collect anything but threatened that they will put me in some registry. Couple years later I was taking a mortgage and I asked in the bank if being in some registry could be an issue and they said that no, they don’t care about unpaid $200 debt. With a generic credit score that’s different. The bank will see a low score and might not care how did you get it. That gives leverage to debt collectors and shitty companies.
Is it really that simple? I once was stack in customer service hell with my internet provider where they weren’t able to connect me but didn’t want to cancel my service. I canceled the contract, they charged me some cancellation fees, I refused to pay, they sold my debt to a collector who was not able to collect anything but threatened that they will put me in some registry. Couple years later I was taking a mortgage and I asked in the bank if being in some registry could be an issue and they said that no, they don’t care about unpaid $200 debt. With a generic credit score that’s different. The bank will see a low score and might not care how did you get it. That gives leverage to debt collectors and shitty companies.